Cheapest 2002 Dodge Neon Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Want better car insurance rates for your Dodge Neon? Overpriced Dodge Neon insurance can drain your bank account and make it impossible to make ends meet. Comparing price quotes is a smart way to tighten up your finances. Since consumers have many insurance companies to choose from, it’s nearly impossible to find the cheapest provider.
Don’t miss these discounts
Insuring your vehicles can cost a lot, but there are discounts available to cut the cost considerably. Some trigger automatically when you quote, but a few must be requested specifically before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- College Student – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
- Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
- Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
- Paperwork-free – Certain companies give back up to $50 simply for signing digitally online.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
Drivers should understand that some of the credits will not apply the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce your premiums.
A partial list of companies that may have these benefits include:
Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not be available in every state.
How to Compare Insurance Coverage Costs
All the larger insurance coverage companies allow you to get pricing on the web. Getting online rates is quite simple as you just type in the coverages you want as detailed in the form. Behind the scenes, the system automatically retrieves your credit score and driving record and returns a price based on these and other factors. Quoting online makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to get many rate quotes if you want to find better prices.
An easier way to compare rates is to use a quote form that analyzes rates from more than one company. It saves time, reduces the work, and makes online shopping a lot less work. After sending the form, it is rated with multiple companies and you can pick any or none of the quotes that you receive.
If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.
To quickly find out how much you can save on insurance coverage, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you input your coverages just like they are on your policy. This helps ensure you are getting comparison quotes using the exact same coverages.
What determines your Dodge Neon insurance premium
It’s important that you understand some of the elements that play a part in calculating your insurance coverage rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with better insurance coverage rates.
Shown below are some of the items insurance coverage companies consider when setting rates.
- Drive less and save money – The more miles you rack up on your Dodge every year the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Improper usage on your Neon may be costing you. Double check that your insurance coverage policy shows how each vehicle is driven, because it can save money.
- Don’t skimp on liability – The liability section of your policy provides coverage if ever a jury decides you are liable for damages from an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
- Where you live is a factor – Residing in small towns and rural areas can save you money when buying insurance coverage. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. City drivers tend to have traffic congestion and longer commute times. Longer commute distances translates into higher accident risk.
- Safer cars cost less to insure – Safer cars can get you lower premiums. Safe vehicles protect occupants better and lower injury rates means less money paid by your insurance company and thus lower rates. If the Dodge Neon is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Frequent insurance coverage claims increase rates – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Companies provide better rates to drivers who are claim-free. Car insurance is intended for the large, substantial claims.
- With age comes lower rates – Teenage drivers tend to be more careless when driving so insurance coverage rates are higher. Parents adding a teenage driver onto your insurance coverage can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
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When might I need help?
When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help highlight whether or not you will benefit from professional help.
- Should I sign the liability waiver when renting a car?
- Is rental equipment covered for theft or damage?
- Does insurance cover tools stolen from my truck?
- Will my rates increase for filing one claim?
- Am I covered if I hit a deer?
- Am I covered if I crash into my own garage door?
- Do I need added coverage for expensive stereo equipment?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.
Car insurance coverage information
Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.
Auto collision coverage
Collision insurance will pay to fix damage to your Neon caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against things such as legal defense fees, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Dodge Neon.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for bills for things like ambulance fees, dental work, chiropractic care, prosthetic devices and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from flooding, hitting a deer, damage from a tornado or hurricane, hail damage and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
More quotes. Lower rates.
Affordable 2002 Dodge Neon insurance is possible both online as well as from independent agents, and you should be comparing both to have the best selection. Some companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.
You just read a lot of ways to shop for insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from the least-expected company. They can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate.
For more information, link through to the following helpful articles:
- Coverage Information (Progressive Insurance)
- Information for Teen Drivers (GEICO)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Insuring a Leased Car (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
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